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ACNB
(NASDAQ:ACNB)
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Rating:80Outperform
Price Target:
$75.00
▲(20.77% Upside)
Action:Reiterated
Date:08/07/26
The score is driven primarily by strong financial performance (high profitability, improving ROE, and solid cash generation) and supportive technical momentum (price above key moving averages with positive MACD). Valuation is reasonable with a moderate P/E and dividend yield, while the notable dividend increase provides an additional positive tailwind; higher leverage versus earlier years remains the main risk noted in the fundamentals.
Positive Factors
Revenue Acceleration
Sustained, large revenue acceleration (TTM up ~114%) indicates expanding core lending and fee activities and greater market traction in the region. Over 2–6 months this supports higher recurring earnings potential, improves operating leverage, and underpins investment flexibility for growth initiatives.
Negative Factors
Elevated Leverage vs. Historical Levels
A step-up in leverage since 2021–2022 increases funding and interest-rate sensitivity, reducing capital buffer during stress. Persistently higher debt ratios can constrain loan loss absorption and limit capital return flexibility if credit conditions deteriorate over the next several months.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Acceleration
Sustained, large revenue acceleration (TTM up ~114%) indicates expanding core lending and fee activities and greater market traction in the region. Over 2–6 months this supports higher recurring earnings potential, improves operating leverage, and underpins investment flexibility for growth initiatives.
Read all positive factors
ACNB (ACNB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$652.81M
Dividend Yield2.24%
Average Volume (3M)20.18K
Price to Earnings (P/E)12.0
Beta (1Y)0.76
Revenue Growth24.95%
EPS Growth95.35%
CountryUS
Employees519
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.29
Shares Outstanding10,169,930
10 Day Avg. Volume22,248
30 Day Avg. Volume20,179
Financial Highlights & Ratios
PEG Ratio-3.59
Price to Book (P/B)1.18
Price to Sales (P/S)2.91
P/FCF Ratio9.44
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$61.00Price Target Upside-1.77% Downside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)5.66
Revenue Forecast (FY)$169.33M
ACNB Business Overview & Revenue Model
Company Description
ACNB Corporation operates as a financial holding company, offering a comprehensive suite of banking, insurance, and financial services to a diverse clientele including individuals, businesses, and government entities across the United States. Its ...
How the Company Makes Money
ACNB primarily makes money through traditional community banking activities. The largest driver is net interest income: the bank earns interest and fees on loans (including commercial and industrial, commercial real estate, residential real estate...
ACNB Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
74
Positive
Cash Flow
78
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 199.95M | 170.38M | 132.19M | 114.75M | 108.44M | 100.94M |
| Gross Profit | 159.92M | 125.53M | 111.10M | 105.58M | 104.81M | 93.97M |
| EBITDA | 73.18M | 53.19M | 43.45M | 43.21M | 48.75M | 38.46M |
| Net Income | 54.59M | 37.05M | 31.85M | 31.69M | 35.75M | 27.83M |
Balance Sheet | ||||||
| Total Assets | 3.32B | 3.23B | 2.39B | 2.42B | 2.53B | 2.79B |
| Cash, Cash Equivalents and Short-Term Investments | 28.00M | 20.61M | 64.85M | 517.65M | 721.72M | 1.15B |
| Total Debt | 327.36M | 329.02M | 273.92M | 254.79M | 66.12M | 73.17M |
| Total Liabilities | 2.90B | 2.81B | 2.09B | 2.14B | 2.28B | 2.51B |
| Stockholders Equity | 423.28M | 419.97M | 303.27M | 277.46M | 245.04M | 272.11M |
Cash Flow | ||||||
| Free Cash Flow | 54.00M | 52.57M | 38.82M | 39.43M | 37.39M | 40.55M |
| Operating Cash Flow | 56.83M | 53.64M | 39.78M | 40.60M | 39.20M | 42.13M |
| Investing Cash Flow | -76.31M | 64.65M | 2.43M | 15.44M | -331.72M | 60.52M |
| Financing Cash Flow | -1.79M | -99.90M | -60.91M | -158.24M | -249.45M | 208.13M |
ACNB Technical Analysis
Neutral
62.10
Price Trends
61.05
Positive
56.06
Positive
52.02
Positive
Market Momentum
0.96
Positive
50.97
Neutral
41.31
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ACNB, the sentiment is Neutral. The current price of 62.1 is below the 20-day moving average (MA) of 64.20, above the 50-day MA of 61.05, and above the 200-day MA of 52.02, indicating a neutral trend. The MACD of 0.96 indicates Positive momentum. The RSI at 50.97 is Neutral, neither overbought nor oversold. The STOCH value of 41.31 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for ACNB.
ACNB Risk Analysis
ACNB disclosed 42 risk factors in its most recent earnings report. ACNB reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
ACNB Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $652.81M | 11.95 | 13.02% | 2.28% | 24.95% | 95.35% | |
77 Outperform | $495.54M | 11.60 | 16.48% | 2.18% | -0.23% | -6.18% | |
73 Outperform | $623.20M | 11.37 | 10.78% | ― | 13.62% | 52.53% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $722.05M | 12.24 | 11.82% | 2.99% | 8.43% | 69.62% |
* Financial Sector Average
ACNB
ACNB
63.65
21.27
50.19%
AROW
Arrow Financial
38.33
11.38
42.23%
BWB
Bridgewater Bancshares
21.55
5.78
36.65%
BSVN
Bank7
51.76
6.63
14.68%
ACNB Corporate Events
Business Operations and StrategyDividends
ACNB boosts quarterly dividend, strengthening shareholder returns
Positive
Jul 29, 2026
On July 28, 2026, ACNB Corporation’s board approved a regular quarterly cash dividend of $0.42 per share for the third quarter of 2026, payable on September 15 to shareholders of record as of September 1. The payout represents a 23.5% increa...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.